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LOMBARD GENERAL INSURANCE COMPANY LIMITEDMain BoardEquityNon-Linked Policy2025-04-012026-03-312026-04-152026-03-25INRLakhsQuarterlyFourth quarter2026-04-1515:35:002026-04-1518:30:00trueCash Flow DirectDeclaration of unmodified opiniontruetrueNANAfalsetrue2026-01-13https://www.icicilombard.com/docs/default-source/policies-of-the-company/rpt-policy_fy2026.pdf?sfvrsn=39fd6f22_4falsefalseNot Applicable2026-01-012026-03-31AuditedStandalone807370000006487440000057905300000796680000031550000066187600000118757000001187570000042456000003609800000785540000003924740000017506000004099800000060729100000-28238000003924740000017506000005458500000545850000005458500000237580000033000007837600000168200000-26000004900000006556000007182000000071820000001716400000546560000000831366000008860220000049849000001630843000008100000149287000000434925700000584212700000-4234902000001607225000000.02670.32090.7080.80351.012210.9710.970000163000-2810002429443140.4874001011. We have mentioned NSE Symbol as "ICICI" instead of "ICICIGI" as by mentioning ICICIGI the sheet was not validating. <BR> 2. ICICI Lombard is General Insurance Company and hence type of insurance viz. “Linked and Non-Linked Policy” would not be applicable. However, in order to validate the sheet we have selected type of insurance as “Non-Linked Policy” <BR> <BR> 1(ii). Net of reinsurance (Including Excess of Loss Reinsurance). <BR> 1(iv). Including capital gains, net of amortisation and losses. <BR> 2(i) & (ii). Commission is net of commission received on reinsurance cession. <BR> 8(a). Dividend is recognised in the period it is approved as prescribed by MCA. <BR> <BR> Analytical ratios have been calculated as per definition given in IRDAI analytical ratios disclosures. <BR> Analytical ratios (i):- The Solvency has been computed at the last day of the period. <BR> Analytical ratios (ii):- The Expenses of Management has been computed on the basis of Gross Direct Premium <BR> Analytical ratios (v):- The Ratio has been computed at the last day of the period. <BR> Analytical ratios (vi) & (viii):- Not annualised <BR> Analytical ratios (viii):- Excludes unrealised gains or losses on real estate and unlisted equity <BR> Analytical ratios (viii):- Yield on investments with unrealised gains is computed using the modified Dietz method <BR> Analytical ratios (viii)(a):- The computation is based on time weighted average book value. <BR> <BR> Analytical ratios (vi)(a)&(b):- Earnings Per Share <BR> Basic: Rs. 10.97 Diluted: Rs. 10.89 (Current Quarter) <BR> Basic: Rs. 55.74 Diluted: Rs. 55.24 (Year To Date) <BR> Solvency ratio are in times and other ratios mentioned below are in % <BR> Analytical Ratios Current Quarter Year to date <BR> (i) Solvency ratio 2.67 2.67 <BR> (ii) Expenses of management ratio 32.1% 31.7% <BR> (iii) Incurred Claim Ratio 70.8% 71.1% <BR> (iv) Net retention ratio 80.4% 76.3% <BR> (v) Combined Ratio 101.2% 103.4% <BR> 2025-04-012026-03-31AuditedStandalone306180900000233744800000222635700000354736000008401000002589494000004484190000044841900000172828000001330270000030585500000013541200000022872700000158284700000233712100000-110764000001354120000002287270000025237300000252373000000252373000001183500000097400000371697000006862000006800000-1126000005804000003658930000003658930000088699000002771940000065000070000060882800000886022000000.02670.31730.7110.76341.033655.7455.7400008470003170000.4874001011Other income315500000Other income840100000Other operating expenses3609800000Other operating expenses13302700000Other income3300000Other income9740000018182000004002000001650000016096000001002000003800000000594470000042960000047000001714200000011450000003880000003130000021000000281719000005331600000-11850000036340000060400000200000270520000041880000021000000Crop11900000078900000-2000006902400000205220000041000006242300000519200000460000000021004400000157760000018700000630300000004232600000577100000857000005000000100000110248200000244760000002416000001373000000295000000900000108222000001974900000-9300000Crop29275000003411000002300000000000000Crop0000000000Crop01352200000-1880000000-570400000-1762500000-3800000-271760000076600000537500000Crop4572000004248800000-12600000000-2641700000-395740000058200000-8579500000222000000911600000Crop-784000001768900000-840000000-136100000-229500000-21000002495200000137600000977400000Crop5311000006305100000-7362000000-104560000085220000063100000161380000005182000002877300000Crop2652000003851200000174290000001403520000032483900000408000005886600000024818000007402600000Crop140000031405800000120853000000561740000020585700000797400000218968500000114510000042970200000Crop1626870000049849000001634742000008100000-2128300000-5616400000001607225000001492870000004349257000000838990000011724000009867800000157466600000167334400000475854100000124532800000600386900000-43305250000000160722500000486568000001 The above audited financial results of the ICICI Lombard General Insurance Company Limited (the Company) for the quarter and year ended March 31, 2026 were reviewed and recommended by the Audit Committee and subsequently approved by the Board of Directors at its Meeting held on April 15, 2026. <BR> 2 The above audited financial results were audited by the joint statutory auditors, Walker Chandiok & Co LLP, Chartered Accountants and PKF Sridhar & Santhanam LLP, Chartered Accountants who have issued an unmodified opinion on these financial results. <BR> 3 During the quarter and year ended March 31, 2026, the Company has allotted 579,206 equity shares and 2,768,515 equity shares respectively of face value of Rs. 10 each pursuant to exercise of employee stock options and employee stock units granted. (For the quarter ended December 31, 2025, 579,206 equity shares were allotted, for the quarter and year to date ended March 31, 2025, 492,015 equity shares and 3,041,182 shares allotted respectively alloted of Rs. 10 each). <BR> <BR> 4 The Board of directors has recommended a final dividend of Rs. ______ per equity share of face value of Rs. 10 each for the year ended March 31, 2026.The declaration and payment of final dividend is subject to requisite approvals. (During the year ended March 31, 2025 the Board of directors had recommended a final dividend of Rs. 7.00 per equity share of face value of Rs. 10 each). <BR> <BR> 5 Pursuant to the notification of the 4 new Labour Codes by the Government of India viz the Code on Wages, 2019, the Code on Social Security, 2020, the Industrial Relations Code, 2020, and the Occupational Safety, Health and Working Conditions Code, 2020 (collectively referred to as the “New Labour Codes”) with effect from 21 November 2025, and pending issuance of the detailed Rules & Notification, the Company has reassessed its employee benefit obligations based on the revised definition of wages and expanded eligibility criteria under the New Labour Codes. Based on actuarial valuation and management’s best estimates, the Company recognised an incremental gratuity expense of Rs.203 lakhs & Rs. 5,509 lakhs as past service cost during the quarter and year ended 31 March 2026, resulting in a corresponding reduction in profit and increase in gratuity obligation. As at 31 March 2026, unrecognised past service cost in respect of gratuity obligation amounts to Rs. 1,490 lakhs. The impact on other employee benefit obligations is not material, and the Company continues to monitor developments and will review its estimates as further clarifications and Rules are notified. <BR> <BR> 6 The Company has received favourable Orders from the Customs, Excise & Service Tax Appellate Tribunal, Mumbai setting aside a demand of Rs. 22,538 lakhs for FY 2008-09 to FY 2011-12, FY 2013-14 & FY 2014-15 where the dispute was regarding the formula for determining the proportionate reversal of CENVAT credit on exempted services under Rule 6(3A) of the Rules of 2004 ; and Rs. 16,827 lakhs for FY 2011-12 where the dispute was regarding CENVAT credit of Service tax paid with respect to re-insurance services provided to members of insurance pool. <BR> <BR> 7 Figures of the previous period have been re-grouped wherever necessary, to conform to the current year presentation. <BR> <BR> 8 The amounts for the quarter ended March 31, 2026 are balancing amounts between the amounts as per audited accounts for the year ended March 31, 2026 and for the nine months ended December 31, 2025. <BR> 9 In accordance with requirements of IRDAI circular no. IRDAI/F&A/CIR/MISC/256/09/2021 dated September 30, 2021 on Public Disclosures by Insurers, the Company will publish the financials results on the company's website latest by May 15, 2026. <BR> 000334611400000000002633317000000329060000003837370000000010240700000-1913300000262197000000014308847000001480511100000008900000243340000000000000000000034723700000000-17327200000003352400000000000000670780000000-33554000005537100000055371000008662000006403300000ICICI Lombard General Insurance Company Limited******ICICI Bank Limited******Promoter & Holding CompanyAny other transactionInsurance Premium10000000000NA185996700000ICICI Lombard General Insurance Company Limited******ICICI Bank Limited******Promoter & Holding CompanyAny other transactionClaim Paid10000000000NA62000360739000229102000ICICI Lombard General Insurance Company Limited******ICICI Bank Limited******Promoter & Holding CompanyAny other transactionIncome from Investment10000000000NA000ICICI Lombard General Insurance Company 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trust10000000000NA63679100000ICICI Lombard General Insurance Company Limited******ICICI Foundation for Inclusive Growth******Other Related EntityAny other transactionClaim Paid10000000000NA0674000620000ICICI Lombard General Insurance Company Limited******ICICI Foundation for Inclusive Growth******Other Related EntityAny other transactionInsurance Premium10000000000NA94380000021359252000AuditedtruePKF Sridhar and Santhanam LLPtrue2028-10-31Walker Chandiok & Co LLPtrue2028-05-31